Bank of India Credit Officer Recruitment 2026 – Apply Online for 514 Posts

Bank of India has released the Credit Officer Recruitment 2025–26 notification for a total of 514 vacancies in the General Banking Officer (GBO) / Credit Officer cadre across MMGS-II, MMGS-III and SMGS-IV scales. Apply online from 20th December 2025 to 05 January 2026. Know all the details like Selection Process, Important Dates, Age Limit and More.

Bank of India has released an official notification for the recruitment of 514 Credit Officer Posts. Interested and eligible candidates can apply Online through the official Bank of India website. The last date to submit the application form is 05-01-2026. In this article, you’ll find the Bank of India Credit Officer Posts recruitment details, including eligibility criteria, age limit, salary structure, selection process, application steps, and direct links to the official notification and Online application form.

BOI Credit Officer Recruitment 2025 Overview

BOI Credit Officer Recruitment 2025 Vacancy Details

Note: The number of vacancies and reserved vacancies is provisional and may vary according to the actual requirement of the Bank

PWD Categories:

• OC – Orthopedically Challenged
• VI – Visual Impairment
• HI – Hearing Impaired
• ID – Intellectual Disability

Eligibility Criteria

Educational Qualifications:

• Graduate degree from a recognized University with minimum 60% marks
• Candidates belonging to reserved category (SC/ST/OBC/PWD) are entitled for relaxation of 5% marks (minimum 55% required)
• Where CGPA/OGPA is awarded, it should be converted into percentage
• The fraction of percentage will be ignored (59.99% treated as less than 60%)

Essential Qualifications (Scale-wise details as per Annexure-I):

• Specific qualifications and experience requirements vary by scale (MMGS-II, MMGS-III, SMGS-IV)
• Candidates must refer to Annexure-I of the official notification for detailed scale-wise eligibility
• Relevant banking experience in credit operations required

Desirable:

• Experience in credit assessment and credit operations in banking sector
• Knowledge of banking operations and regulations

Experience:

• Candidates must possess requisite experience as mentioned in Annexure-I for respective scales
• Experience certificates must be submitted at the time of interview

Salary/Stipend

• MMGS-II Scale: Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 per month
• MMGS-III Scale: Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 per month
• SMGS-IV Scale: Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 per month
• Other allowances and perquisites as applicable to Bank officers
• All benefits as per Bank’s service rules and regulations

Age Limit (as on 01-11-2025)

• Credit Officer MMGS-II: Minimum 25 years, Maximum 35 years
• Credit Officer MMGS-III: Minimum 28 years, Maximum 38 years
• Credit Officer SMGS-IV: Minimum 30 years, Maximum 40 years

Age Relaxation:

• SC/ST Candidates: 5 years relaxation
• OBC Candidates (Non-creamy layer): 3 years relaxation
• Persons with Benchmark Disabilities: 10 years relaxation
• Ex-Servicemen: 5 years relaxation (subject to conditions)
• 1984 Riots Affected Persons: 5 years relaxation
• Age relaxation to SC/ST/OBC candidates is allowed on cumulative basis with only one of the remaining categories

Application Fee

• Application fee is inclusive of GST
• Bank transaction charges for online payment will be borne by the candidate
• Fee payment period: 20.12.2025 to 05.01.2026
• Payment modes: Credit cards, Debit cards, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI
• Fee once paid is non-refundable and non-transferable

Selection Process

• Selection will be through online test and/or personal interview, depending on the number of applicants/eligible candidates
• Scrutiny of Eligibility Criteria: Applications will be shortlisted based on documents uploaded at registration
• Online Examination Structure:
  • English Language: 25 questions, 25 marks (Qualifying nature only)
  • Reasoning: 25 questions, 25 marks
  • Quantitative Aptitude: 25 questions, 25 marks
  • Professional Knowledge: 75 questions, 75 marks
  • Total: 150 questions, 150 marks
  • Composite time: 120 minutes
• Minimum Qualifying Marks (Online Test): 35% for General/EWS; 30% for SC/ST/OBC/PWD
• Penalty for Wrong Answers: 1/4th marks deduction for each wrong answer
• Personal Interview:
  • Candidates will be called at 1:3 ratio to number of vacancies
  • Maximum marks: 100
  • Minimum qualifying marks: 50% for General/EWS; 45% for SC/ST/OBC/PWD
• Final Selection (if both Online Test and Interview conducted):
  • Weightage ratio: Online Examination 70%, Interview 30%
  • Merit list based on combined marks in descending order
• If Online Examination not conducted: Final selection through personal interview only with 100 marks
• In case of equal marks, preference given based on online exam marks, then Date of Birth (senior in age)

General Information/Instructions

• Candidates ready to work anywhere in India should apply
• Candidates can apply for only one post; multiple applications will result in retention of latest valid application only
• Candidates must possess valid email ID and mobile number throughout the recruitment process
• Bank reserves the right to post/transfer officers anywhere in India
• Candidates who held similar posts in Bank of India previously are not eligible
• No change of category or any other details permitted after registration
• Candidates serving in Government/Public Sector must submit No Objection Certificate at interview
• Call letters will be available for download from official website; no hard copy sent by post
• Security Deposit Required:
  • Officers in MMGS-II: Rs. 2,00,000/-
  • Officers in MMGS-III & above: Rs. 3,00,000/-
  • Refundable after 3 years of satisfactory service
• Medical fitness required for appointment as per Bank’s requirements
• Bank reserves right to cancel/modify recruitment process at any stage
• All disputes subject to jurisdiction of Courts at Mumbai

How to Apply

• Step 1: Visit Bank of India official website www.bankofindia.bank.in
• Step 2: Click on ‘CAREER’ section, then click on “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”
• Step 3: Click on ‘APPLY ONLINE’ button
• Step 4: Choose “Click here for New Registration” and enter Name, Contact details, and Email-id
• Step 5: Note down the Provisional Registration Number and Password generated by system
• Step 6: Complete the application form with all required details
• Step 7: Upload scanned documents as per specifications:
  • Photograph (4.5cm × 3.5cm, 200×230 pixels, 20-50 KB, JPG format)
  • Signature (140×60 pixels, 10-20 KB, JPG format)
  • Left thumb impression (240×240 pixels, 20-50 KB, JPG format)
  • Handwritten declaration in English (800×400 pixels, 50-100 KB, JPG format)
• Step 8: Upload relevant experience certificates and other required documents
• Step 9: Preview the complete application form before final submission
• Step 10: Click on ‘COMPLETE REGISTRATION’ after verification
• Step 11: Proceed to payment of application fee through online mode
• Step 12: Take printout of e-Receipt and online application form for future reference
• Candidates are advised to apply well before the closing date to avoid last-minute technical issues
• Only online applications through official website will be accepted

BOI Credit Officer Important Links

• Apply Online: Click here
• Official Notification PDF: Click here
• Official Website: Click here 

reference code – jK8L90

BOI Credit Officer Recruitment 2025 – FAQs

1. What is the starting date to apply for BOI Credit Officer 2025?

Ans: Starting date to apply is 20/12/2025.

2. What is the last apply date for BOI Credit Officer 2025?

Ans: Last apply date is 05/01/2026.

3. What is the eligibility to apply for BOI Credit Officer 2025?

Ans: Graduate with minimum 60% marks and relevant banking experience as per scale requirements.

4. What is the maximum age limit to apply for BOI Credit Officer 2025?

Ans: Maximum age is 35 years for MMGS-II, 38 years for MMGS-III, and 40 years for SMGS-IV as on 01/11/2025.

5. How many vacancies are being recruited by BOI Credit Officer 2025?

Ans: Total 514 vacancies (MMGS-II: 418, MMGS-III: 60, SMGS-IV: 36).

6. What is the application fee for BOI Credit Officer Recruitment 2025?

Ans: Rs. 175/- for SC/ST/PWD candidates and Rs. 850/- for General and other category candidates.

7. What is the selection process for BOI Credit Officer 2025?

Ans: Selection through online examination and personal interview with weightage ratio of 70:30 respectively.

8. What is the salary for BOI Credit Officer posts?

Ans: Salary ranges from Rs. 64,820 to Rs. 120,940 per month depending on the scale (MMGS-II/III/SMGS-IV) plus allowances.

9. Is there any security deposit required for BOI Credit Officer posts?

Ans: Yes, Rs. 2,00,000/- for MMGS-II and Rs. 3,00,000/- for MMGS-III & above, refundable after 3 years of satisfactory service.

10. Can I apply for multiple scales/posts in BOI Credit Officer Recruitment 2025?

Ans: No, candidates can apply for only one post. In case of multiple applications, only the latest valid application will be retained.